I don't have time (right now) to read and learn everything I need to. I got issued a summons by a creditor or court (I don't know how it all works yet).. It was based on a real debt, but it has changed hands so many times now (attorney's for collectors) that I don't actually know who REALLY owns the debt rights.

Anyway, I need to know what to do right now. and what to expect. I have had the summons since Sunday (they ruined a perfectly good Father's Day). I have 28 more days left to respond in writing, but I don't know what to say, how to say it or who to say it to?

I'm past the collection agency letters. I unknowingly threw them all away, so I don't have any proof of anything, and the debt was a credit card.

Do I write to the Court, to the Plantiff' attornyes? both, neither? what do I write?